Flexi Cap
HDFC Flexi Cap Fund
3Y CAGR21.4%
Expense1.44%
RiskVery High
Min SIP ₹500Regular · Growth
Funds Valley helps you choose, start and stay invested in individual mutual fund schemes from India's most trusted fund houses — with the paperwork, the SIP mandates and the tax reporting handled for you.
We've begun with HDFC, SBI and Kotak — together managing a large share of India's mutual fund assets — and we're adding more fund houses through the year.
Fund house names and marks are the property of their respective owners. Funds Valley is an AMFI-registered distributor, not affiliated with or endorsed by these AMCs.
Because most Indian investors aren't losing money to a bad market. They're losing it to a scheme they never really understood.
Category, benchmark, expense ratio, manager tenure, downside capture — the things that actually decide your outcome are the things nobody reads. We do that reading, and hand you the shortlist with the reasoning attached.
of an average investor's holding period survives a serious drawdown intact. The scheme rarely fails — the investor exits it. Most SIPs that stop, stop in the month the market falls hardest.
You invest in a named mutual fund scheme, held in your own folio with the AMC. No bundles, no baskets, nothing wrapped around it that you can't see.
Returns and expense ratios shown are illustrative placeholders pending a live data feed, not current scheme figures. Past performance is not indicative of future returns.
Named schemes, honest economics, and the paperwork handled from day one.
Every rupee goes into a named mutual fund scheme, in your own folio with the AMC. No basket, no model portfolio, nothing between you and the fund.
Schemes are screened on rolling returns, downside capture, portfolio turnover and manager tenure — and we show you the reasoning, not just the star rating.
Capital gains statements, ELSS lock-in tracking and a consolidated CAS come ready at filing time, so the paperwork never lands on you.
From your first SIP mandate to your final tax filing, everything in between runs with us — so it never lands on your desk.
We're an AMFI-registered distributor. You invest in the regular plan of a scheme, and the fund house pays us a trail commission out of the scheme's expense ratio. That's the whole arrangement — and we'd rather you read it here than find it later.
Sign up, look around, and verify only at the point you actually decide to invest.
A quick sign up to get in and look around. No documents yet.
Filter by category, risk and horizon. Read the shortlist and the reasoning before you commit to anything.
Paperless CKYC through DigiLocker — PAN, Aadhaar and bank, done in one sitting.
An e-NACH mandate from your bank, then your SIP runs on the date you pick.
An illustration, not a projection. Assumes a constant monthly investment and a steady rate of return — real markets deliver neither. It ignores expense ratio, exit load and tax. Mutual fund returns are not assured.
Real people. Regulated money. Your folio, in your own name.
Everything you need to know about schemes, regular plans, KYC, SIPs, taxes and getting started.
Funds Valley is a mutual fund distribution platform built for Indian investors. We help you find and invest in individual mutual fund schemes from HDFC, SBI and Kotak, and we handle the surrounding work — KYC, SIP mandates, statements and tax reporting — so owning the right scheme doesn't come with a pile of paperwork.
Most equity schemes on Funds Valley start at ₹500 a month for a SIP, or ₹1,000 as a lump sum. Some debt and liquid schemes have a higher minimum set by the fund house. The exact minimum is shown on each scheme's page.
We offer regular plans. Every mutual fund scheme is sold in two versions: a direct plan, which you buy yourself from the AMC with no intermediary, and a regular plan, which is bought through a distributor like us. The regular plan carries a slightly higher expense ratio, and the fund house pays a trail commission out of that to the distributor. It is the standard, SEBI-recognised way distribution works in India, and it means you pay us nothing directly — but you should know it exists, and you should know the direct plan of the same scheme is cheaper. We publish the trail rate on every scheme page so you can judge for yourself whether the service is worth the difference.
Entirely from trail commission paid by the fund houses on the assets you hold with us. We charge you no subscription, no advisory fee and no transaction charge. Trail is paid on assets held rather than on transactions, so we earn nothing extra when you switch schemes — but it does mean we are paid more on schemes with higher trail rates, which is exactly why we publish those rates next to every recommendation.
Funds Valley never holds your money. Your investment moves from your bank account to the AMC, and units are allotted to a folio held in your own name with the registrar — CAMS or KFintech. You can see those holdings independently in your consolidated account statement, and you can redeem any working day, with or without us.
Through paperless CKYC. You verify PAN and Aadhaar via DigiLocker, add your bank account, complete an in-person verification video step, and set up an e-NACH mandate. If you are already KYC-compliant with any SEBI-registered intermediary, most of this is already done and simply gets fetched.
For equity-oriented schemes, gains on units held twelve months or less are short-term and taxed at 20%; gains beyond twelve months are long-term, taxed at 12.5% above the ₹1.25 lakh annual exemption. Debt-oriented schemes are taxed at your slab rate. We prepare your realised gains statement, ELSS 80C proofs and consolidated CAS at year end, but we are not tax advisors — please confirm your own position with your CA.
We've started with HDFC Mutual Fund, SBI Mutual Fund and Kotak Mahindra Mutual Fund — covering more than 150 schemes across equity, debt, hybrid and ELSS. We're adding further fund houses through the year, and any scheme you already hold with them will appear in your dashboard once we do.
Yes, any time, at no charge. You can pause, change the amount, change the date or stop entirely from your dashboard. Exit loads, where an individual scheme charges one, are shown to you before you confirm any redemption.
The market isn't waiting. Neither should your money. Invest in mutual funds properly, this time.